Your insurance certificate and policy will describe what vehicles are covered.

If you drive your husband's car as you suggest you are I think, at best, relying on a driving other vehicles extension to your policy. The purpose is to over you in an emergency or for small risks like moving one car to get another out of a tandem driveway.

Operation of those extensions is complex and varies widely from company to company. It is reported that some companies require the 'other' car to be subject to its own policy. Whatever the oddities you will only be covered for basic third party risks.

Much better to get your husband's own policy set up before collecting the new vehicle.

If you're buying from a dealer you may find they offer short term insurance as it makes it easier for then to register/tax the thing.

The "new" car will need to be insured in it's own right from day one, under the continuous insurance rules now in place, otherwise it's not allowed on the road! - if that's insured by your husband why not just add you as a nemed driver, then you'll both get fully comp on both cars.

Edited by RT on 30/12/2014 at 12:12